Seattle ,WA Home Insurance - The cost of homeowners insurance is influenced by a range of factors, including the value of your coverage, deductible, and the construction materials used in your home.
VHome Insurance conducted a thorough analysis of the Seattle, WA homeowners insurance market, taking into account factors like average costs, range of coverages, deductibles and customer satisfaction ratings to determine the best providers. The Average home insurance cost in Seattle, WA is $1362. Enter your zipcode below and click “GO” to get multiple free quotes.
It is important to understand the different coverage options available in Seattle, WA. VHome Insurance will help you navigate the world of homeowners insurance coverages in Seattle, WA.
Coverage Level | Average Annual Premium |
---|---|
$100,000 | $545 |
$200,000 | $926 |
$300,000 | $1,144 |
$400,000 | $1,743 |
$500,000 | $2,193 |
Home insurance costs in Seattle can vary greatly based on location. The frequency of claims in your area can affect the cost of your policy. Simply put, the location of your home can significantly impact your homeowners insurance premium.
Zipcode | Average Insurance Premium |
---|---|
098112 | $1,433 |
98199 | $1,384 |
98119 | $1,377 |
98105 | $1,423 |
98115 | $1,370 |
98109 | $1,348 |
98177 | $1,354 |
98103 | $1,358 |
98116 | $1,340 |
98117 | $1,358 |
98136 | $1,325 |
98107 | $1,340 |
98104 | $1,285 |
98122 | $1,341 |
98102 | $1,358 |
98121 | $1,324 |
98144 | $1,325 |
98101 | $1,328 |
98126 | $1,287 |
98125 | $1,303 |
98118 | $1,292 |
98133 | $1,280 |
98106 | $1,262 |
98134 | $1,220 |
One key aspect of your policy is the deductible, which is the amount you pay out of pocket before your insurance kicks in. Choosing the right deductible can have a major impact on your insurance premiums and overall savings. In this guide, we'll help you understand the options available for homeowners insurance deductibles in Seattle, WA, and how to choose the right one for your needs.
Deductible Level | Average Annual Premium |
---|---|
$500 Deductible | $1,396 |
$1000 Deductible | $1,249 |
$1500 Deductible | $1,178 |
$2500 Deductible | $1,062 |
$5000 Deductible | $899 |
Home Insurance Company Near Seattle, WA | Homeowners Insurance Agency Near Seattle, WA | Address |
---|---|---|
Liberty Mutual Independent | Carriage Insurance Agency | 301 Bendigo Blvd N North Bend, North Bend, WA, 98045 |
Travelers | Homer Smith Insurance Inc | 804 WATER STREET, PORT TOWNSEND, WA, 98368 |
Liberty Mutual Independent | Otter Insurance Agency Inc | 20102 CEDAR VALLEY ROAD, LYNNWOOD, WA, 98036 |
Travelers | Professional Insurance Group Inc | 555 116TH AVE NE STE 111, BELLEVUE, WA, 98004 |
Allstate | Thida Sin | 10423 Main St Ste 1A, Bellevue, WA, 98004 |
Place | 1 Car Bundle Savings On Insurance | 2 Car Bundle Savings On Insurance | 3 Car Bundle Savings On Insurance |
---|---|---|---|
Boulevard Park CDP, Washington | $75 | $100 | $150 |
White Center CDP, Washington | $75 | $99 | $149 |
Mercer Island city, Washington | $94 | $125 | $187 |
Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
---|---|---|
Seattle, WA | 2.4% | 8.1% |
Boulevard Park | 2.77% | 7.09% |
White Center | 2.73% | 9.03% |
Mercer Island | 1.66% | 7.01% |
Seattle Home By Monthly Rent | Total Homes | % of Total | Estimated Monthly Income To Afford Rented House Including Renters Insurance |
---|---|---|---|
Less than $200 | 3,292 | 1.0% | $320 |
$200 to $299 | 5,905 | 2.0% | $770 |
$300 to $499 | 8,068 | 4.0% | $1220 |
$500 to $749 | 22,902 | 11.0% | $1895 |
$750 to $999 | 54,668 | 27.0% | $2645 |
$1,000 to $1,499 | 65,759 | 32.0% | $3770 |
$1,500 or more | 38,890 | 19.0% | $5420 |
Streets in Seattle Area | Homeowners Insurance Cost |
---|---|
SW Normandy Rd, McGilvra Blvd E, NW 65th St, NW 42nd St, 8th Ct NE, NW 173rd St, N 37th St, S Massachusetts St, SW 152nd St, Perkins Ln W | $647 |
21st Pl NE, 83rd Ave S, 26th Ave SE, W Lee St, 68th Pl S, 20th Pl NE, SW 118th St, E Superior St, Gale Pl S, 42nd Ave E | $614 |
NW Dock Pl, 118th Ct SE, Stendall Dr N, N 168th St, 83rd Ave S, Marine View Pl SW, S 207th St, W Roberts Way, Carter Pl, N Allen Pl | $721 |
Renton Pl S, NW 120th St, S Oxford Ct, 58th Ave SW, Alaskan Way W, 29th Ave, NW 62nd St, Gilman Ave W, SW 209th St, N 198th St | $619 |
Taylor Ave N, E Gwinn Pl, NW 52nd St, 29th Ave W, Harrison St, E Hamlin St, S 107th St, Beach Dr, S 106th St, E Green Lake Way N | $620 |
N 169th St, Malden Ave E, NW 39th St, S 117th Ct, S 183rd St, Strander Blvd, Maynard Aly S, 47th Ave W, SE 228th Pl, 12th Ave | $647 |
Pacific Hwy Brg, Waters Ave S, N 100th St, S 141st St, W Argand St, SE 251st Ct, N 125th St, NE Elk Pl, Patten Pl W, S 141st St | $660 |
SW 99th St, 96th Way, Dr Jose P Rizal Brg, 12th Ave W, Ursula Pl S, 22nd Ave W, Minkler Blvd, S 289th Pl, Kimberly Ave, S 167th Pl | $700 |
34th Ln S, N 137th St, E Louisa St, 15th Ave W, 12th Ave E, SW Walker St, S 256th St, 77th Ave S, S 154th St, Raymond Ave SW | $617 |
44th Pl NE, Yale Ave N, S Donovan St, 47th Pl NE, N 174th St, NE Campus Pkwy, SE 203rd St, S 226th St, N 182nd Pl, Meridian Pl N | $674 |
Place | Savings For Senior Occupied Homes |
---|---|
Seattle | $94 to $96 |
Boulevard Park | $90 |
White Center | $89 |
Mercer Island | $112 |
Low Deductible | High Deductible | |
---|---|---|
Deductible | $1,500 | $2,500 |
Yearly Seattle Homeowner Insurance Premium Example | $600 | $400 |
Out of Pocket Expense During Claim | $1,500 | $2,500 |
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim | $6,300 | $5,700 |
Net Savings to Seattle Home Owner from High Deductible Plan | $600 |
Scenario | Seattle, WA Home Replacement Value MORE than Home Value | Seattle, WA Home Replacement Value LESS than Home Value |
---|---|---|
Replacement Value | $390,500 | $273,000 |
Insurance Premium based on Replacement Value | $1,025 | $700 |
Risk Exposure from Under Insuring Coverage | Unnecessary Home Insurance Coverage of $72,500 | Risk Exposure from Under Insuring Coverage is $45,000 |
Premium Impact | Insurance cheaper by $125/year | Insurance costlier by $200/year |
Insurance Company | Chubb Group of Insurance | GEICO Insurance | State Farm |
Monthly Premium | 151 | 70 | 46 |
Year Built | 1997 | 1948 | 2010 |
Home Details | 5 Beds, 4 Baths | 4 Beds, 3 Baths | 2 Beds, 1 Baths |
Coverage Amount | $500000-$600000 | $300000-$350000 | $200000-$250000 |
Deductible | $500 Deductible | $1000-$2500 Deductible | $500- $1000 Deductible |